🛡️
Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in Stockton
Updated February 5, 2026
Market Overview
98
Total Lenders
7,528
Total Loans
0.25%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | STAR ONE Credit Union | Exceptional | Exceptional | Strong | Strong | -$173 | -0.547% | 49 | |
2 | GOOGAIN, INC. | Exceptional | Exceptional | Exceptional | Sound | -$372 | +0.169% | 28 | |
3 | Provident Credit Union | Exceptional | Exceptional | Strong | Sound | $69 | -0.927% | 22 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,289 | +0.173% | 1,231 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $290 | -0.012% | 222 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $253 | -0.166% | 83 | |
7 | Citibank, National Association | Strong | Exceptional | Sound | Sound | -$1,492 | -0.377% | 42 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $686 | -0.164% | 33 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,657 | -0.078% | 399 | |
10 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $530 | -0.043% | 62 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,261 | -0.031% | 57 | |
12 | Watermark Capital, Inc. | Strong | Strong | Strong | Sound | $1,058 | -0.014% | 24 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,548 | +0.190% | 745 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,567 | -0.002% | 111 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,767 | +0.245% | 109 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,822 | +0.054% | 89 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,913 | +0.227% | 67 | |
18 | SAFE Credit Union | Strong | Sound | Strong | Strong | $1,475 | +0.114% | 64 | |
19 | Patelco Credit Union | Strong | Strong | Sound | Sound | $762 | -0.397% | 21 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $5,439 | +0.313% | 93 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,449 | +0.254% | 82 | |
22 | THE GOLDEN 1 | Strong | Sound | Sound | Strong | -$603 | +0.057% | 47 | |
23 | General Mortgage Capital Corporation | Strong | Sound | Strong | Sound | -$252 | -0.095% | 28 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,028 | +0.467% | 166 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,795 | +0.454% | 131 | |
26 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,264 | +0.366% | 130 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,186 | +0.371% | 96 | |
28 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $5,134 | +0.384% | 86 | |
29 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,246 | +0.703% | 66 | |
30 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | $6,173 | +0.527% | 54 | |
31 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $3,989 | +0.496% | 47 | |
32 | BMO Bank National Association | Strong | Sound | Sound | Sound | $902 | +0.099% | 43 | |
33 | NMSI, INC. | Strong | Acceptable | Exceptional | Sound | $1,318 | +0.314% | 41 | |
34 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $5,273 | +0.287% | 34 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,423 | +0.477% | 32 | |
36 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Sound | $1,380 | +0.244% | 28 | |
37 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $2,026 | +0.254% | 22 | |
38 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $4,278 | +0.310% | 20 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,918 | +0.381% | 197 | |
40 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | $6,464 | +0.426% | 141 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,019 | +0.412% | 66 | |
42 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,369 | +0.195% | 56 | |
43 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,924 | +0.108% | 52 | |
44 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $4,394 | +0.309% | 49 | |
45 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $5,807 | +0.360% | 45 | |
46 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,361 | +0.116% | 44 | |
47 | SUN WEST MORTGAGE COMPANY, INC. | Sound | Acceptable | Strong | Sound | $3,711 | +0.338% | 30 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Sound | Acceptable | Strong | Sound | -$7 | +0.807% | 24 | |
49 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,769 | +0.519% | 24 | |
50 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | $4,295 | +0.398% | 32 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to find your perfect lender?
Get personalized recommendations based on your specific needs
Stockton
No credit impact
3-minute process
100% free